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: A study published in the Journal of Marketing found that BNPL adoption led to a 10% increase in basket sizes on average. Financially constrained shoppers, often those reliant on credit cards, saw an even larger 14% increase .

: While BNPL makes the initial purchase easier, it is frequently linked to indirect measures of regret, such as increased financial stress and decreased overall well-being as payments come due. Recommended Academic Papers For deeper reading, you can access these specific studies: buy clothes online pay monthly

: A 2026 review in Journal of Theoretical and Applied Electronic Commerce Research exploring the link between installment plans and impulsive consumption. : A study published in the Journal of